← Back to Stock Screener← Stock Screener

ZYBERNO

Stock Report

Updated Sep 1, 2026

Cheche Group Inc. (CCG)

NASDAQ

$15.50

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

17.0/100

POOR BUSINESS

Cheche Group Inc. (CCG) scores 17/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full CCG quality analysis & detailed breakdown

VALUATION SIGNAL

N/A (Requires more data)

Requires fair value calculation and current price data

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full CCG valuation analysis · → View full CCG Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (0.0%)

Debt-to-Equity (Solvency Risk):EXCELLENT (0.03x)

Operating Margin (Operational Efficiency):CRITICAL (0.0%)

Return on Capital (Capital Efficiency):CRITICAL (-5.2%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

Cheche Group Inc. (CCG) stock report — Zyberno Score 17/100 (POOR BUSINESS). Full financial analysis on Zyberno.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:15.50

Market Cap:$44.21M

Valuation Multiples (3)

P/B Ratio:0.84x

P/S Ratio:0.10x

Peg Ratio:-999.00x

Enterprise Metrics (1)

Enterprise Value:$36.18M

Price Action & Momentum (1)

% of 52-Week High:28.8%

B. Profitability Assessment

Return Metrics (3)

Roic:

-5.2%

📊 Click to view full CCG ROIC analysis →

Reinvestment Rate:12.9%

Fundamental Growth Rate (g):-0.7%

Margin Analysis (1)

Ebitda Margin:-0.7%

Yield Metrics (2)

Earnings Yield:-$999.00

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:1.23x

Quick Ratio:1.23x

Cash Ratio:0.13x

Leverage Analysis (3)

Debt To Equity Ttm:0.03x

Debt-to-Equity Ratio:0.03x

Debt To Ebitda:-999.00x

Coverage Ratios (2)

Interest Coverage Ratio:-9.16x

Times Interest Earned:-9.16

Capital Structure (4)

Working Capital:37,092,657.73

Cash And Cash Equivalents:21,409,160.14

Long Term Debt:$1.45M

Net Debt:-$8.03M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

$445.91M

Cost Of Revenue Ttm:$422.15M

Profitability Breakdown (2)

$23.76M-$3.09M

Bottom Line Performance (3)

-$2.64M

Income Before Tax:-$2.70M

Ebitda Ttm:-3,024,313.69

Operating Expenses (5)

Operating Expenses:26,851,265.51

R And D Expense:5,516,772.46

Sga Expense:11,223,471.94

Income Tax Expense:-$60.15K

Interest Expense:337,631.57

Expense Ratios (3)

R And D To Revenue Percentage:1.2%

Sga To Revenue Percentage:2.5%

Ebitda Margin:-0.7%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$218.50M

Current Assets:$200.82M

Ppe Net:1,290,970.39

Goodwill:12,534,738.74

Intangible Assets:$570.37K

Liability Structure (4)

Total Liabilities:165,879,768.62

Current Liabilities:163,730,422.93

Long Term Debt:$1.45M

Short Term Debt:$11.93M

Equity & Capital (3)

Equity:$52.62M

Retained Earnings:-$324.87M

Common Stock:5,000,000,000.00

Working Capital Items (3)

Accounts Receivable:169,742,013.05

Inventory:0.00

Accounts Payable:124,849,310.47

Special Items (2)

Contract Liabilities:154,667.56

Stock Based Compensation:3,607,724.45

C. Cash Flow Analysis

Operating Activities (2)

-$6.01M-$6.02M

Investment Activities (1)

Investing Cash Flow:$5.24M

Financing Activities (3)

Financing Cash Flow:$8.21M

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:-30,528,175.54

Long Term Debt Issuance:$740.75K

Long Term Debt Repayments:$1.75M

Non-Cash Items (1)

Depreciation Amortization Ttm:70,074.48

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (1)

Earnings Per Share Ttm:-$0.92

Revenue & Cash Per Share (2)

Sales Per Share Ttm:156.32

Operating Cash Flow Per Share:-$2.11

Book Value & Capital (2)

Book Value Per Share:$18.45

Cash Per Share:7.51

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:2.04x

Working Capital Turnover Ttm:12.02x

Receivables Management (2)

Receivables Turnover Ttm:2.63x

Days Sales Outstanding Ttm:138.94

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:107.95

Cash Conversion Cycle:-968.00

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:80.00

Quality Score:35.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Damodaran Growth Analysis (2)

Reinvestment Rate:12.9%

Fundamental Growth Rate (g):-0.7%

B. Log-Linear Regression Growth Analysis

C. Company Profile & Context

Corporate Information (6)

Symbol:CCG

Company Name:Cheche Group Inc.

Sector:Unknown

Industry:Insurance Agents, Brokers & Service

Exchange:NASDAQ

Country:China

Market Classification (3)

Market Cap Category:N/A

Price Category:medium

Volume Category:N/A

Share Structure (3)

Shares Outstanding:2.85M

Shares Outstanding Basic:82.58M

Shares Outstanding Diluted:82.58M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-09-01 04:58:04 UTC

Data Timestamp:2026-08-20T14:28:12.790760